Evaluating Financial Inclusion through PMJDY

Jan Dhan Yojana (PMJDY ) which was started in the year 2014. The main aim is to make sure that common reach to bank
services with at least one primary bank account per household. With the offering of zero-balance accounts, PMJDY made
banking reach even the most backward sections of society: people living in village areas and having low incomes. The scheme is
significant in terms of bringing millions into the formal banking system, who were earlier financially excluded. Moreover, the
PMJDY has facilitated the use of government subsidies and benefits that can be deposited directly into the accounts of intended
beneficiaries, thus reducing leakages and ensuring that the intended recipients have availed the support entitled to them. The
scheme also propagates a move toward digital payments with the end goal of making people financially literate enough to
become more inclusive toward participating in the economy. The research has been conducted and tries to discover the success
rate and awareness level of the inclusion process in Barachh Village, situated in the Shahdol district. The study has collected
both primary and secondary data concerning the bank accounts opened under the scheme. The financial inclusion process of
PMJDY and its socio-economic backgrounds are linked through the use of percentage and graphical methods.

《贾丹扬·约贾纳》（PMJDY）计划自2014年起启动，旨在确保每个家庭至少拥有一个主要银行账户，以实现普通民众对银行服务的普遍可及。通过提供零余额账户，PMJDY计划将银行服务扩展至社会最边缘群体，即居住在乡村地区且收入较低的人群。该方案在将数百万此前被金融排斥的民众引入正规银行体系方面具有重要意义。此外，PMJDY计划还促进了政府补贴和福利的直接存入受益人账户，从而减少资金流失，确保受益人能够获得应得的援助。该计划还推动了向数字支付的转型，最终目标是使民众具备足够的金融素养，以便更广泛地参与经济活动。研究已在巴拉查村（位于沙尔多尔区）进行，旨在探究该村纳入过程的成功率和意识水平。研究收集了关于该方案下开设银行账户的初级和次级数据，并利用百分比和图表方法将PMJDY的金融包容过程与其社会经济背景相联系。